My friends that charter I with in the BVI are above average in wealth. I can't say we meet Rons criteria for discerning. We do spend $10-20,000 per year in the BVI depending on the the number of trips. We are not discerning at Willy T where a $500 tab has been seen many times. We enjoy the honor bar at Cow Wreck where food and drink approaches the same. I could go on. When Potters got wiped out by Earl I sent him money with a vague promise it would be returned. It was the next trip. Maybe I'm not a discerning traveler. But I am a smart traveler that finds good value in chartering in the BVIs and doesn't want discerning travelers to ruin it for my kids.